but what i plan -- twinning divide between wall street and main street, and you touched on it previously in answering mr. sherman's question, there's a lot to be done for those individuals who are underwater in mortgages and that whole area. and i believe we did the right thing when we did talk, but there's a lot of questions out in with reference to -- here's what main street says. you helped out others. what happens to in the? why can't i get a hand up, a lift up? recently i saw in the new york times there was somewhere out of the box type proposals, one of which were governments have used the legal doctrine of imminent domain and people looked at it generally in real estate on property, but using imminent domain to purchase underwater mortgages at a fair market value, thenork with private investors to reissue new mortgages with smaller balances to homeowners and home owners would no longer be underwater and would be able to repair their credit lating so not likely to default, and new investors would be repaid, and the taxpayers won't be involved, won't be anything added to the budget.